Oklahoma AG and CFPB Consumer Complaint Pack

OKLAHOMA AG AND CFPB COMPLAINT PACK

TABLE OF CONTENTS

1. Cover Letter / Filing Index
2. Consumer Information
3. Subject of Complaint
4. Statement of Facts
5. Statutory Violations Alleged
6. Damages and Relief Sought
7. Authorization to Share with Subject Company
8. Exhibit Index
9. Verification
10. Filing Routes — Oklahoma AG and CFPB
11. Oklahoma Practice Notes
12. Sources and References

1. COVER LETTER / FILING INDEX

Date: [__/__/____]

To: Consumer Protection Unit
Office of the Oklahoma Attorney General
313 NE 21st Street
Oklahoma City, OK 73105
Telephone: (405) 521-2029 | Toll-free: (833) 681-1895
Email: [email protected]

To: Consumer Financial Protection Bureau
P.O. Box 27170
Washington, DC 20038
Online: https://www.consumerfinance.gov/complaint/

Re: Consumer Complaint Against [SUBJECT COMPANY NAME]

Dear Consumer Protection Officials:

I respectfully submit this complaint and supporting exhibits regarding the conduct of [SUBJECT COMPANY]. I request investigation and any appropriate enforcement, restitution, or referral. I authorize the agency to share a copy of this complaint with the subject company in accordance with its standard practices.

Sincerely,

[________________________________]

[CONSUMER NAME]

2. CONSUMER INFORMATION

3. SUBJECT OF COMPLAINT

4. STATEMENT OF FACTS

4.1. On [__/__/____], [describe initial contact / transaction].

4.2. [Subject company] represented to me that [describe representations made — quote where possible]. (See Exhibit A.)

4.3. In reliance on those representations, I [describe action taken — paid, signed, gave information], paying $[AMOUNT] by [METHOD]. (See Exhibit B.)

4.4. The actual product / service / outcome was [describe what consumer received vs. what was promised].

4.5. I attempted to resolve the matter directly with the company by [phone/letter/email on dates]. The company's response was [describe]. (See Exhibits C-D.)

4.6. As a result of the company's conduct, I have suffered [describe financial loss, time loss, emotional impact, credit damage, etc.], totaling approximately $[AMOUNT].

4.7. [Add additional paragraphs as facts require — e.g., third-party witnesses, other affected consumers, prior complaints, regulatory actions.]

5. STATUTORY VIOLATIONS ALLEGED

I believe [Subject Company]'s conduct violates one or more of the following laws. I respectfully ask the agencies to evaluate each:

Oklahoma Law:

☐ Oklahoma Consumer Protection Act, 15 O.S. § 753 — making false or misleading representations; misrepresenting goods, services, or business; making false comparisons; using deceptive solicitations; engaging in unconscionable conduct in connection with a consumer transaction. See Patterson v. Beall, 2000 OK 92, 19 P.3d 839.

☐ 15 O.S. § 761.1(B) — unconscionable conduct subject to a $2,000 per-violation civil penalty.

☐ Oklahoma Uniform Consumer Credit Code, 14A O.S. §§ 1-101 et seq. — excess charges, prohibited collection conduct, or unconscionable consumer-credit practices (14A O.S. §§ 5-107, 5-108).

☐ Oklahoma Security Breach Notification Act, 24 O.S. §§ 161-166 — failure to maintain reasonable security or to notify of a data breach.

☐ Oklahoma Home Repair Fraud Act / Oklahoma Door-to-Door Sales Act (if applicable).

☐ Oklahoma Telemarketer Restriction Act, 15 O.S. §§ 775A.1 et seq. (if applicable).

☐ Other Oklahoma statute: [________________________________]

Federal Law:

☐ Consumer Financial Protection Act — UDAAP, 12 U.S.C. § 5531 — unfair, deceptive, or abusive acts or practices.

☐ Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 et seq.

☐ Fair Credit Reporting Act, 15 U.S.C. §§ 1681 et seq.

☐ Truth in Lending Act / Regulation Z, 15 U.S.C. § 1601; 12 C.F.R. Part 1026.

☐ Real Estate Settlement Procedures Act, 12 U.S.C. § 2601; 12 C.F.R. Part 1024.

☐ Electronic Fund Transfer Act / Regulation E, 15 U.S.C. § 1693; 12 C.F.R. Part 1005.

☐ Equal Credit Opportunity Act, 15 U.S.C. § 1691.

☐ Telemarketing Sales Rule, 16 C.F.R. Part 310.

☐ FTC Act § 5, 15 U.S.C. § 45 — unfair or deceptive acts or practices.

☐ Other federal statute / rule: [________________________________]

6. DAMAGES AND RELIEF SOUGHT

6.1. Out-of-pocket loss: $[____________]

6.2. Other quantifiable damages (lost wages, transportation, medical, etc.): $[____________]

6.3. Total claimed: $[____________]

6.4. Relief sought from the company (check all that apply):

☐ Full refund of $[____________]

☐ Cancellation of contract / account

☐ Removal of negative credit-bureau reporting

☐ Cessation of collection / communication

☐ Repair / replacement of product

☐ Restoration of service

☐ Written apology and corrective communication

☐ Other: [________________________________]

6.5. Relief sought from the agency:

☐ Investigation of the company's pattern of conduct

☐ Mediation between consumer and company

☐ Enforcement action under 15 O.S. §§ 756, 756.1 / 12 U.S.C. § 5564

☐ Referral to other regulators (Oklahoma Department of Consumer Credit, Oklahoma Insurance Department, Oklahoma Securities Commission, U.S. Attorney)

☐ Inclusion in CFPB Consumer Complaint Database

☐ Other: [________________________________]

7. AUTHORIZATION TO SHARE WITH SUBJECT COMPANY

I, [CONSUMER NAME], authorize the Oklahoma Attorney General's Consumer Protection Unit and the Consumer Financial Protection Bureau to provide a copy of this complaint and the attached documents to [Subject Company] for the purpose of facilitating resolution. I understand that:

• The Oklahoma AG is not my attorney and cannot represent me in private litigation. 15 O.S. §§ 756, 756.1 vest investigative and enforcement authority in the AG on behalf of the State.
• The CFPB will forward my complaint to the company for response within 15 days, with final response typically within 60 days.
• A copy of CFPB complaints (with personal information removed) may be published in the public CFPB Consumer Complaint Database.
• Filing this complaint does not start, toll, or extend any statute of limitations on my civil claims.

[________________________________]

[CONSUMER NAME]

Date: [__/__/____]

8. EXHIBIT INDEX

9. VERIFICATION

I declare under penalty of perjury under the laws of the State of Oklahoma and of the United States of America that the foregoing complaint and the attached exhibits are true and correct to the best of my knowledge and belief.

Executed on [__/__/____] at [CITY], [COUNTY] County, Oklahoma.

[________________________________]

[CONSUMER NAME]

10. FILING ROUTES — OKLAHOMA AG AND CFPB

10.1 Oklahoma Attorney General — Consumer Protection Unit

10.2 Consumer Financial Protection Bureau

10.3 Other Useful Routes

11. OKLAHOMA PRACTICE NOTES

• AG cannot litigate for consumer. 15 O.S. §§ 756 and 756.1 vest the Attorney General with investigative and enforcement authority on behalf of the State; the AG is not your attorney and cannot recover personal damages on your behalf. Pursue civil claims separately under 15 O.S. § 761.1 or other private rights of action.
• Consumer-transaction requirement. OCPA private actions require a "consumer transaction." 15 O.S. § 752; Patterson v. Beall, 2000 OK 92, 19 P.3d 839. Confirm scope before relying on the OCPA in your narrative.
• Civil SOL preserved. Filing a regulatory complaint does not toll the statute of limitations on private claims. OCPA private actions: 3 years (12 O.S. § 95(A)(3)). FDCPA: 1 year. FCRA: 2 years from discovery / 5 years from violation. Calendar SOLs separately.
• CFPB complaint database. CFPB-filed complaints, with personal information removed, may appear publicly. Useful for pattern-and-practice evidence; review the database for prior complaints against the same company before filing a private suit.
• CFPB response timeline. Companies must acknowledge in 15 days and provide a final response generally within 60 days. Track status via the CFPB portal.
• Email protocol. Oklahoma AG asks complainants to email completed PDF complaints to [email protected] with "Complaint" in the subject line and attach all supporting documentation.
• Data breach. If the matter involves a breach, the responsible business owes notice under 24 O.S. §§ 161-166. Recent amendments require AG notification for breaches affecting 500+ Oklahoma residents (within 60 days of individual notice). Civil penalties up to $150,000 per breach (or $75,000 with reasonable safeguards). Verify current text.
• Senior / military priority. Both agencies prioritize complaints from servicemembers, veterans, and consumers age 60+. Note status in Section 2 to access fast-track teams. Oklahoma AG operates a Senior Fraud Complaint Form.
• Industry-specific overlays. Insurance — Oklahoma Insurance Department; banking — Oklahoma State Banking Department or applicable federal regulator; securities — Oklahoma Securities Commission; consumer credit and payday — Oklahoma Department of Consumer Credit.
• Mediation expectation. Many AG complaints resolve through informal mediation; the AG's office processes thousands of complaints annually, returning refunds without litigation. Keep contemporaneous notes of any company communications received after filing.
• Document retention. Retain originals of all exhibits; submit copies. Keep a complete copy of the filed complaint with confirmation numbers.

12. SOURCES AND REFERENCES

• Oklahoma Attorney General — Consumer Protection Unit — https://www.oag.ok.gov/consumer-protection-unit
• Oklahoma AG — Consumer Complaints landing page — https://oklahoma.gov/oag/complaints-tiplines/complaints.html
• Oklahoma AG — Consumer Protection Unit (alt) — https://oklahoma.gov/oag/about/divisions/cpu.html
• Oklahoma AG — Consumer Complaint Form (PDF) — https://oklahoma.gov/content/dam/ok/en/oag/complaints/2021_consumer_complaint_form.pdf
• Oklahoma AG — Public Forms — https://www.oag.ok.gov/public-forms
• Oklahoma Consumer Protection Act, 15 O.S. §§ 751-763 — https://www.oscn.net/applications/oscn/index.asp?ftdb=STOKST15&level=1
• 15 O.S. § 753 (unlawful practices) — https://law.justia.com/codes/oklahoma/title-15/section-15-753/
• 15 O.S. § 756 / § 756.1 (AG enforcement) — https://law.justia.com/codes/oklahoma/title-15/section-15-756-1/
• 15 O.S. § 761.1 (liability under OCPA) — https://law.justia.com/codes/oklahoma/title-15/section-15-761-1/
• Patterson v. Beall, 2000 OK 92, 19 P.3d 839 — https://www.oscn.net/applications/oscn/deliverdocument.asp?citeid=43
• Oklahoma Security Breach Notification Act, 24 O.S. §§ 161-166 — https://law.justia.com/codes/oklahoma/title-24/
• Oklahoma Department of Consumer Credit — https://oklahoma.gov/okdocc.html
• Consumer Financial Protection Bureau — Submit a Complaint — https://www.consumerfinance.gov/complaint/
• CFPB Consumer Complaint Database — https://www.consumerfinance.gov/data-research/consumer-complaints/
• 12 U.S.C. § 5493 (CFPB Office of Consumer Response) — https://www.law.cornell.edu/uscode/text/12/5493
• 12 U.S.C. § 5531 (CFPB UDAAP authority) — https://www.law.cornell.edu/uscode/text/12/5531
• FTC Report Fraud — https://reportfraud.ftc.gov/
• IdentityTheft.gov — https://www.identitytheft.gov/

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. An attorney licensed in Oklahoma should review this packet before submission if civil claims may follow. Filing a regulatory complaint does not toll any statute of limitations. Laws, citations, and agency procedures change; verify all authorities and contact details before filing.